Hornsby
Investment Score
78
/100
AI Intelligence Summary
Hornsby is a well-established suburban hub located 36km north-west of Sydney's CBD, serving as a major commercial and transport center for the Upper North Shore. The suburb offers excellent connectivity with its major train station providing express services to the city, complemented by the bustling Westfield Hornsby shopping complex and strong educational facilities. The area attracts predominantly middle to upper-middle class families, drawn by quality schools, established infrastructure, and relatively more affordable housing compared to nearby premium suburbs like Wahroonga and Turramurra. The property market features a diverse housing mix from older brick homes to modern apartments and townhouses, with steady capital growth supported by consistent demand from families and investors. Hornsby's position as a regional center ensures strong rental demand, while ongoing urban renewal projects and transport improvements continue to enhance its investment appeal.
Strengths
- •Major transport hub with express train services to Sydney CBD
- •Established commercial center with Westfield shopping complex
- •Strong educational facilities including quality public and private schools
- •More affordable than premium Upper North Shore suburbs while maintaining good amenities
Opportunities
- •Ongoing urban renewal projects enhancing suburb appeal
- •Potential for apartment development near transport nodes
- •Growing demand from downsizers seeking convenience
- •Infrastructure improvements boosting connectivity
Considerations
- •Higher density development reducing suburban character in some areas
- •Traffic congestion around major shopping and transport hubs
- •Competition from nearby premium suburbs for high-end buyers
- •Limited waterfront or premium natural amenities compared to coastal suburbs
Property Market
$1.45M
+5.2% 1yr
$750K
+4.8% 1yr
$1.15M
$900/wk
$590/wk
32
1.8%
72.0%
Price Growth
| Type | 1 Year | 3 Year | 5 Year |
|---|---|---|---|
| House | +5.2% | +18.5% | +35.8% |
| Unit | +4.8% | +16.2% | +32.5% |
Rental Yields
House Yield
3.2%
Unit Yield
4.1%
Townhouse Yield
3.6%
Investment Scorecard
Demand/Supply Ratio: 1.40
Demand exceeds supply — favourable for sellers
Tax & Financial Intelligence
CPA-grade analysis for Hornsby at median house price
+8% surcharge
$900/wk
Negatively geared
Reduces taxable income
~$761/week
Based on 7.2% p.a. growth (from 5-year trend), 50% CGT discount, 39% MTR
5-Year Hold
10-Year Hold
Investor Quick Summary
Entry cost (stamp duty)
$62,140
After-tax yield
1.95%
Weekly holding cost
$761/wk
10yr CGT (est.)
$268,304
Estimates based on FY2025 NSW rates at median house price. Assumes 80% LVR, 6.5% interest rate, 39% marginal tax rate ($135K-$190K bracket). Individual circumstances vary. This is general information only and not personal financial advice. Consult your CPA before making investment decisions. Local Knowledge Pty Ltd — Registered Tax Agent.
Demographics
28,500
41
$95K
per annum
58.0%
48.0%
42.0%
4.2%
38.0%
Dwelling Mix
Lifestyle & Community
85
12
2
36.0 km
Nearest Station: Hornsby Station
Family-focused suburban living with excellent shopping, dining, and recreational facilities, complemented by easy access to bushland and city connectivity.
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Data sourced from multiple sources. Last updated 25 March 2026.